When first purchasing the product, I was disappointed that it did not allow for transactions occurring in multiple accounts. I therefore emailed the creator and asked if a refund was available.

I followed the setup guide and searched through the user forums to help me figure out one or two things that I didn’t understand at first. Go to the FAQ section of their user forums to find the “cheat sheet” to get started on the right foot. The dreaded ‘budget’ is what matters most when it comes to household income. Fortunately, I was able to start the program well into YNAB’s step 4. The support is excellent and you can get tons of information through the YNAB forum if you need it. This is absolutely the best budgeting software out there, and the reason lies in the 4 rules of cash flow it is based on. The software looks simple and was painless to setup, but after using it, you will see that it has some really clever features that were put in to deal with life in the real world! YNAB does not let you do a normal accounting of your income and outgo.

Then, after watching some YouTube videos on YNAB, I decided to give it a try. It’s excellent! After a month of heavy use with the app, I only encountered one very minor bug, and it was fixed 2 days later in a software update that was pushed to me. YNAB is easily head and shoulders above either of those programs. Simply that the bills I pay today are paid with the money I earned last month. The money I earn this month will go to pay my bills for next month.

This is a vital reference function to me. It is taking so much time and energy to try to learn this system that I am giving up for now and heading back to Quicken. So I gave it a go. This package is delightfully user friendly.

If you want to budget effectively while investing minimal time in record-keeping, on the other hand, you owe it to yourself to give YNAB a chance. Should you decide to try it, you should DEFINITELY attend the Intro to YNAB webinar, which is offered on a regular basis. Helpful little things like this shows the programmer really thought this through, while at the same time keeping the whole package as simple as possible. The only reason I am not giving it 5/5 is the limited range of reports you can currently create. I must admit, I had to start over twice with YNAB, not because the software is difficult to use, but because I was trying to use it based upon what I knew about budgeting, you can’t do that. I sleep much better at night these days, thanks to YNAB Pro! I really wanted to. I love this program and feel that it has helped me immensely to understand and gain control of my finances.

With this program – which I have been using for about 10 days now, I am already seeing a difference! I don’t struggle with money and I make it work for me.

Using the program as it was designed requires a change of focus from the dollars you have in your bank account to the dollars you have in your budget categories. dog food dispenser.

There are some added benefits to this new program. I am very happy with this program. It became abundantly clear that the whole process was broken, so I went back for a refund. At least I don’t have to spend time chasing down little problems.

We have wasted 2 days of our life on this software and are beside ourselves in utter frustration. Intuit has no “customer support” just email that goes unanswered.

If you are a Quicken 2008 owner who needs to download transactions via the web, upgrade to the new version with confidence.

I have 18 years of data in QfM05 in dozens of accounts. The first problem was that, rather than taking it’s time to digest the whole file, the Import procedure expects you to confirm the import of each account independently, without giving you an Import All option. I was unable to deal with my bank accounts or my credit card. Now I wouldn’t know anymore what charges or payments were posted to my credit card, what deposits or payments made by my bank account; I’d have to start writing checks manually and mailing them via USPS. I have struggled with this software for about 4 months now. I had used Microsoft Money for many years but since M$ doesn’t support Money I decided to upgrade to this Q H&B 2011. I bought this program to track my investments and it does a mediocre job, at best. Importing the data from a previous version left far too many gaps.

The agent told me the following: 1. You should not trust the communication with your bank. No stability, useless customer service support, and simply a waste of time trying to get anything reported or fixed. All online services are hit or miss.

Overall, this migration from MS-Money to Quicken was fairly painless. I would say that I spent about 5 hours to ensure that everything was set up to my liking.

Other than that, there is no customization at all (and by adding Arial text with a little bold to your invoice doesn’t count). I am more than mad though since I have absolutely no way to return it since I downloaded from Amazon digital store. And to that the fact that I was able to download the software and begin using it right away and you have a sure winner here! I use for home finances and a very small business and it’s more than adequate. I have been very pleased with this product! It is exactly what I was expecting in Financial Management software, and has been easy to learn how to use. Not perfect, though. If you have any long memos on transactions, they will be truncated; you’re going to lose part of them.

This is the official position of their support team on their forums. Large Ottoman Serving Tray.

Personally I like YNAB program but it does require dedication on a day-to-day basis. I do believe that most of the positive reviewers are short-term users. The philosophy of assigning each dollar a job, and working up to living off of last month’s income, has changed how I see my financial life. Well worth the purchase price. I saw my parents struggle and argue in regards to money. I’m 31 and I have been struggling with money my entire adult life. Yes, the tutorials are great, but they’re really time-consuming. However, I spent the time, took the tutorials, and set up my finances in YNAB.

It’s a shame, because all the bits and pieces are there to make this a great personal accounting program – but the YNAB rules and lack of reports make it unusable, if you know what you are doing and don’t need to be led by the hand. And if you aren’t very familiar with keeping track of your finances, YNAB is so complex and inflexible it would be very hard to get it to work as it is designed.

It’s easy to look at your bank account and think “I’m doing alright,” only to be hit with a bill you’d forgotten about. With YNAB, you plan for every bill. I personally develop software. I find this software to be incredibly sound, thorough, and succinct.

For a while, I learned to write macros in Excel and started creating my own envelope system spreadsheet, but I was always searching for something else to make things simpler. Apparently the Quicken 2008 will allow for a more envelop budgeting experience, but I’m not going back. I am also doing Dave Ramsey’s Financial Peace University program and just this month have become debt-free except for the house. Last month on the DR forums I read about YNAB and how many DR followers use it. Rule Two is that you must operate a zero based budget. Every dollar of income needs to be assigned to a budget category. Instead of spending blindly and wondering where all our money went, we now know exactly where it went, but more importantly we know ahead where it is going. YNAB makes all of this easy to keep track of, but as mentioned by other reviewers it isn’t a miraculous “fix it” program.

I followed the setup guide and searched through the user forums to help me figure out one or two things that I didn’t understand at first. Go to the FAQ section of their user forums to find the “cheat sheet” to get started on the right foot. We had two good incomes, but way too much debt and after paying all the bills each pay day (mostly credit card installments) we were left with just a few hundred dollars to survive on until the next pay day. Bankruptcy or debt settlement was considered, but thankfully we found YNAB instead.

Give Every Dollar a Job 4. To really find out more, you’ll need to visit the program’s website and read up, or better yet, buy the software and learn the rules as you learn the program. YNAB 3 has so many great features and its core principle, of being an electronic envelope system/zero based budget, has completed transformed our philosophies about managing money. We are in so much better control of our finances and the sense of peace it offers us is huge.

However, I wanted to get back in touch with my budgeting because I mainly do it in my head, and it can get stressful because I “budgeted” by limiting my expenses at all times. CHEAP CABINETS FOR LAUNDRY ROOM.

I’ve also found that GNU Cash did a good job with allowing me to make custom graphs although the user interface was rather cumbersome. By contrast, Quicken seems to have a few pre-set graphs and nothing else is available. I think staying current with this type of application is particularly important since it holds so much of your personal financial data. Bank of America is going over to a new system most likely by the end of the year, which will make the download feature of their accounts work better (at least so they say). All in all: If it all would have worked seamlessly I would have given it a five, but given the problems I’m having I’m only giving a 3. They do not support their products in any meaningful way in terms of bug fixes. Applications from a software giant such as Intuit should be patched before the average user even recognizes a problem.

My wife just picked up 2011 Home and Business at Costco to do profit and loss statements. The tag on the box states “Personal Finance Made Easy”. This package is no worse or better than previous iterations of quicken. The basic application of categories to your spending and income data, the downloading of credit card data and the managing of your mortgage is fine. Felt as if they held my updates for ransom. Other than that it is a good tool for keeping up with your business.

All that to say that Quicken is like a zippy sports car compared to an old clunker. It’s intuitive, easy to use and to our great surprise gives us everything we need to track our various businesses and satisfy our accountant.

A man can dream. What I like or prefer over MS Money: * Downloads my 401k without creating duplicate entries like Money did! Because of the very poor customer support and the step backwards in the user interface, I’ve downgraded my rating of Quicken 2011 to 3 stars. Hopefully, they will address these issues before the next upgrade. Other than that, there is no customization at all (and by adding Arial text with a little bold to your invoice doesn’t count). I am more than mad though since I have absolutely no way to return it since I downloaded from Amazon digital store. I quickly returned it for a refund after reviewing it. My main purpose was to obtain a P & L Statement and Balance Sheet at the end of the year.

I want to send a payment to someone I’ve sent 50 payments to already, via Bill Pay (a moot point, considering I can’t get Bill Pay turned on, but let’s assume for the moment Bill Pay was working). When I try to create an entry in my account and select Send Online Payment, Quicken asks me for the guy’s address.

Also, each account’s “Overview” speed button has been eliminated; you now find that in the “Account Actions” menu. Since it is likely that the eliminated speed buttons were rarely needed by most users, the changes will be well received. Now a week and change into owning Quicken, it’s been a bittersweet experience. It’s good for tagging and setting aside my occasional business expenses, and once I managed to wrangle the interface I’ve found it useful for organizing my business clients and invoices.

Plus, all our accounts are automatically updated, unlike Quick Books which requires manual input. LOW CARB CEREAL.